We’re Together – the market leading property finance experts with an entrepreneurial spirit. Based in Cheadle, South Manchester, we’ve been established since in 1974 and have built a team of over 750 colleagues, who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.

We pride ourselves on our common-sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders. Our customers are central to everything we do and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality.

We’re looking for great people from all backgrounds and experiences who love working together and putting our customers at the heart of everything we do – and that starts with our brilliantly different team of people.

As a Head of Corporate Portfolio, you will lead and manage a team of Portfolio Directors & Relationship Managers, responsible for the ongoing management of key risks in the Corporate portfolio (c£2.4bn of loans across c650 customers).

You will provide credit risk focused relationship management with a commercial edge, supporting the safe growth of customers within their Aggregate Credit Limit as well as identifying when off track and providing structured support through turnaround strategies or consensual workout strategies to deliver best in class portfolio relationship management.

As a Head of Corporate Portfolio, we are looking for someone to:

• Manage the Corporate Portfolio Team to ensure the successful management of the portfolio – well managed growth whilst managing the risk profile, including early identification of customers potentially facing stressed & / or distressed situations, implementing turnaround strategies and techniques to minimize credit risk
   
• Challenge team members on case strategy and act as mandated authority for customer management strategy decisions
   
• Manage the application and performance of aggregate credit limits (ACLs) across portfolio accounts
   
• Introduce and manage the annual lending review of all corporate customers
   
• Work with the first line Credit & Portfolio Risk team, and the Second Line Credit Risk team in the management and development of credit risk policies and standards, ensuring appropriate governance of changes and evidence of key controls
   
• Regular reporting and analysis that informs all key stakeholders of the risks on the portfolios and performance against risk appetite
   
• Work with the Corporate Recovery Team to support on appropriate strategies for key exposures

Essential

• Lending/underwriting experience across residential and commercial assets
• Relationship management experience
• Leadership experience of managing/working as part of a high performing corporate lending team
• Strong understanding of risk management principles across the credit lifecycle, credit analytics and policies
• Experience of working with multiple stakeholders to improve the customer journey

Benefits working at Together

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Buy & sell holidays
• Discretionary annual bonus
• Matched pension contribution
• Life assurance
• Critical illness cover
• Health cash plan
• Private medical insurance
• Free access to company holiday homes
• Travel season ticket loans
• Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

Together Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.

We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.